对中国农行海南省分行开展中小企业信贷业务的SWOT分析

发布时间：2018-03-16 09:41

本文选题：中国农业银行　切入点：中小企业信贷业务　出处：《西南财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：近几年,海南省银行业迅速发展,成为当前海南经济的主要融资主体,随着中信银行、招商银行、浦发银行、华夏银行、民生银行的陆续入驻,在活跃海南金融业的同时,也加剧了银行业间的竞争程度,银行业面临新一轮洗牌。银行面对大客户盈利趋于稳定的情况下,为增加盈利空间,提高竞争能力,响应国家政策,纷纷转战中小企业客户,开展中小企业信贷业务。海南农行中小企业信贷业务与同省其他银行尤其是国有银行相比,在整体规模、市场份额、业务扩展速度方面都稍显逊色。因此,探讨海南农行如何开展本省中小企业信贷业务,无论是从响应当地政府扶持中小企业政策、助推海南经济多元化发展的角度；还是从提高农行海南省分行在本省的市场占有率、提高盈利能力的角度,都是一个值得研究的课题。本文在当前政府加大力度支持中小企业发展的大背景下,先从需求方与供给方两方面分析海南省中小企业信贷业务的发展状况,了解所研究对象所处大环境,进而运用SWOT分析法,进一步分析农行开展中小企业信贷业务自身存在哪些优势与劣势,怎样利用外部机遇加强自身优势建设,最后针对农行自身劣势提出相关建议以期完善其开展中小企业信贷业务战略。
[Abstract]:In recent years, the banking industry of Hainan Province has developed rapidly and become the main financing body in the current Hainan economy. With the arrival of CITIC Bank, China Merchants Bank, Pudong Development Bank, Huaxia Bank, and Minsheng Bank, the Hainan financial industry has been enlivened at the same time. It has also intensified the degree of competition among the banks. The banking sector is facing a new round of reshuffling. In the face of stable profits for major customers, banks have turned to small and medium-sized customers in response to national policies in order to increase profit space, enhance competitiveness and respond to national policies. Developing credit business for small and medium-sized enterprises. Compared with other banks in the province, especially state-owned banks, the SME credit business of Agricultural Bank of Hainan is slightly inferior in terms of overall scale, market share and business expansion speed. To discuss how the Agricultural Bank of Hainan can carry out the credit business of small and medium-sized enterprises in this province, whether from the angle of responding to the local government's policy of supporting small and medium-sized enterprises and promoting the diversified development of Hainan's economy, or by increasing the market share of the Hainan Branch of the Agricultural Bank of China in this province. The angle that raises profit ability, be worth studying a topic. Under the background that the government is increasing its efforts to support the development of small and medium-sized enterprises (SMEs), this paper first analyzes the development situation of SMEs' credit business in Hainan Province from both the demand side and the supply side, and understands the general environment in which the research objects are located. Then using the SWOT analysis method, the author further analyzes the advantages and disadvantages of Agricultural Bank of China (ABC) in developing the credit business of small and medium-sized enterprises, and how to make use of the external opportunities to strengthen the construction of its own advantages. Finally, in view of the disadvantages of Agricultural Bank of China, some suggestions are put forward in order to perfect the credit business strategy of small and medium-sized enterprises.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832.4

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